Franchise financing
The Joint...The Chiropractic Place franchise financing
What it costs to finance a The Joint...The Chiropractic Place franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 200
- Total funded
- $56.8M
- Median loan
- $237K
- 7(a) charge-off
- 2.0%
What financing a The Joint...The Chiropractic Place franchise costs
The median SBA loan to a The Joint...The Chiropractic Place franchisee is $237K, and the middle half of The Joint...The Chiropractic Place's 200 loans run $150K to $303K (average $284K). Across all SBA-financed franchises the median loan is $350K. The Joint...The Chiropractic Place buyers borrow less than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median The Joint...The Chiropractic Place loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 192 The Joint...The Chiropractic Place loans where the SBA recorded a business age, 83.9% went to new businesses two years old or younger. The rest funded existing operations.
How to finance The Joint...The Chiropractic Place
The Joint...The Chiropractic Place franchisees have financed with 200 SBA loans since FY2010, averaging $284K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (200 of the 200 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
The Joint...The Chiropractic Place's 7(a) charge-off rate is 2.0% across 200 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance The Joint...The Chiropractic Place
By SBA loan count
- 1. Simmons Bank 73
- 2. SouthState Bank, National Association 20
- 3. The Huntington National Bank 30
- 4. First Financial Bank 1
- 5. Beacon Bank and Trust 1
- 6. United Community Bank 10
- 7. LendingClub Bank, National Association 2
- 8. First Internet Bank of Indiana 3
Get matched to a The Joint...The Chiropractic Place lender →
Where The Joint...The Chiropractic Place gets funded
Top states by loan count
- 1. Texas 18
- 2. Florida 28
- 3. Georgia 15
- 4. Arizona 19
- 5. Colorado 8
- 6. California 14
- 7. North Carolina 7
- 8. Washington 4
Financing a The Joint...The Chiropractic Place?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
The Joint...The Chiropractic Place SBA financing FAQ
How much does a The Joint...The Chiropractic Place franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a The Joint...The Chiropractic Place franchisee is $237K, and the middle half of The Joint...The Chiropractic Place's 200 loans run $150K to $303K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of The Joint...The Chiropractic Place's franchise disclosure document.
Can you use an SBA loan for The Joint...The Chiropractic Place?
Yes. Lenders have funded 200 SBA loans to The Joint...The Chiropractic Place franchisees, worth $56.8M in all, so The Joint...The Chiropractic Place is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for The Joint...The Chiropractic Place?
The data says yes: of The Joint...The Chiropractic Place's 192 SBA loans that record a business age, 83.9% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance The Joint...The Chiropractic Place?
By loan count, the most active SBA lenders for The Joint...The Chiropractic Place are Simmons Bank, SouthState Bank, National Association, The Huntington National Bank, among others. A lender already active with your brand often moves faster.
What is The Joint...The Chiropractic Place's SBA charge-off rate?
Across The Joint...The Chiropractic Place's 200 SBA 7(a) loans, 2.0% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits The Joint...The Chiropractic Place?
Mostly 7(a): 200 of The Joint...The Chiropractic Place's 200 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median The Joint...The Chiropractic Place loan term is 10 years.